FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-06-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,656 |
| 45 | HK$3,778 |
| 60 | HK$8,142 |
| 75 | HK$18,942 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$16,500,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes dental, maternity, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, the deductible waived for critical conditions, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.16 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards p.26 |
| Waiting period | 12 months for pregnancy complications; 90 days for designated crises deductible waiver p.43 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment made). After cooling-off, cancellation with 30 days' notice if no benefit payment made in the Policy Year. p.6 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits is subject to re-underwriting limited to the new benefits. Switching to a plan with downgraded or reduced benefits does not require re-underwriting but is subject to company discretion. p.18 |
| Room class | Standard Semi-private Room in Hong Kong, Macau or Mainland China; Standard Private Room in other regions of Asia or for Emergency Treatment outside Asia p.68 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor of 25% or 50% is applied to eligible expenses depending on the actual and entitled ward class. p.55 |
| Geographical cover | Asia for non-emergency treatment (including Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam). Standard Plan limits apply outside Asia for non-emergency treatment. p.55 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Worldwide p.68 |
| Full cover on core benefits | yes p.69 |
| Annual limit | HKD16,500,000 p.68 |
| Lifetime limit | none p.68 |
| Deductible options | 250000 p.68 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80 after 2 consecutive Policy Years of coverage. p.54 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day); full cover for one prior outpatient visit or emergency consultation more than 31 days before admission. p.69 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit per day). p.69 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.69 |
| Diagnostic imaging coinsurance | none p.69 |
| Non-surgical cancer treatment | Full cover, with an additional benefit of HKD2,500,000 per Policy Year for expenses in excess of basic benefits. p.69 |
| Kidney dialysis | Full cover for outpatient kidney dialysis and kidney dialysis incurred during Confinement, with an additional benefit of HKD2,500,000 per Policy Year for expenses in excess of basic benefits. p.69 |
| Day case procedures | Covered as per basic benefits (full cover). Cash benefit of HKD1,800 per designated procedure at a Designated Healthcare Services Provider or in mainland China, or HKD900 per other procedure. p.22 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission), subject to 1 Registered Nurse per day. p.69 |
| Hospice care | HKD100,000 per Policy Year p.69 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), subject to 1 visit per day. p.69 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered as follow-up outpatient care; HKD100,000 per Policy Year for rehabilitation treatment; covered under Stroke ancillary benefit. p.23 |
| Congenital conditions | Covered as per unknown pre-existing conditions: no coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards. p.26 |
| Pregnancy complications | Full cover for listed complications, subject to a 12-month waiting period from Policy Effective Date or Renewal Date. p.43 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if provided within 3 months of the accident. p.48 |
| Hospital cash | HKD500 per day (max 60 days/year) for top-up subsidy; HKD900 per day (max 30 days/year) for confinement in a lower ward class in HK private hospital; HKD2,500 per confinement for ICU in HK. p.71 |
| Companion bed | Full cover p.69 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures, requiring reservation via service hotline. p.50 |
| No-claim discount | 15% for 2-4 consecutive claim-free years; 20% for 5 or more consecutive claim-free years. Extra discount for multiple policies. p.52 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA) p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +2.1% a year, taking the premium from HK$3,424 to HK$3,778.
| Year | Change |
|---|---|
| 2023 | -2.2% |
| 2024 | no change |
| 2025 | -0.2% |
| 2026 | +13.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.